I am a university student and have taken out a loan to help me with my studies. Under what circumstances must I pay the loan back, the loan is taken from the kafir in their country (U.K)?

At the outset, we wish to point out that it is not permissible to take out an interest bearing loan. If you did take a loan, it is compulsory to repay the loan even if it is from a non-Muslim in a non-Muslim country.

and Allah Ta'ala Knows Best

Mufti Ebrahim Desai